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Conducting responsible business and supporting the SDGs
Responsible Financing
BCA is committed to implementing Sustainable Financing, including increasing loan disbursement for Sustainable Business Sector.
The sustainable financing includes renewable energy, energy efficiency, natural resources and sustainable land use, eco-efficient products, as well as environmentally friendly buildings.
In disbursing loans, BCA has implemented several policies and procedures to create business activities that align with responsible financing. One of the efforts in responsible financing includes implementing sectoral credit policies for business sectors with high environmental damages risk. BCA has also issued exclusion list as risk appetite guidelines while still considering the risk aspect of each sector.
In addition, BCA also finances power plants sourced from new and renewable (NRE) including solar, mini-hydro, biomass, and biogas power plants projects.
Assistance and Support for Micro, Small and Medium Enterprises (MSMEs)
MSMEs have a crucial position in the Indonesian economy as they absorb labor and drive the local economy. BCA is committed to supporting MSMEs by providing special MSMEs financing programs, and developing a special program for ESG based MSMEs. In 2022, MSME financing reached IDR 102.3 trillion, an increase of 16.0% compared to 2021. BCA also held MSME Fest to bring together MSMEs with business people, also helped to market products both online and offline. More than 1,250 MSMEs from all around Indonesia participated in the event.
‘Bangga Lokal’ Program
‘Bangga Lokal’ is BCA's support to assist MSMEs in developing their business and finding new partners. For MSMEs that pass the selection process, BCA will assist in promotion, marketing, provide education, and offer opportunities to obtain working capital financing. This program also includes development programs with various activities such as webinars with relevant topics for business, collaboration between MSMEs and creators for new product development, and coaching clinics. As of December 2022, there are 1,477 new MSMEs that have joined the ‘Bangga Lokal’ program.
People’s Business Loans (KUR)
In 2022, BCA disbursed People’s Business Loans (KUR) amounting to IDR 478 billion, an increase of 131.6% compared to 2021, which was IDR 206.4 billion. BCA finances KUR that directly impact the economy of the community, by increasing the activities and creativity of people in underdeveloped areas. Types of business that receive KUR include handicraft businesses, processed agricultural products, livestock, and seedlings.
Climate-Related Financial Risks
BCA also takes responsibility for reducing global warming. In assessing financial risks related to climate change, BCA refers to international standards and guidelines from the Task Force on Climate-related Financial Disclosures (TCFD). To mitigate climate-related financial risks, BCA applies a prudent principle in lending, especially in sectors that have a high risk of environmental and climate change impact. BCA has developed sectoral credit policies for the palm oil, coal mining, toll road development, timber and forest products, as well as cement and basic steel sectors. Additionally, BCA will gradually implement a policy for ESG-based loan risks by applying Environmental & Social Risk Analysis (ESRA).
Quality of Service and Customer Trust
BCA values a fair and equal service to all of its customers. The service is expected to provide satisfaction and convenience to customers, as well as provide necessary banking solutions.
Accessibility to Banking Services
In order to increase access and affordability of banking solutions for all customers, digitalization becomes BCA’s strategy. Besides making it easier for customers to access banking services anytime and anywhere, digital banking is equipped with reliable data security systems. BCA applies the ISO 27001 standard to ensure data security. BCA continues to expand its network of inclusive, fair, and respectful banking solutions. BCA's services are based on the 'SMART SOLUTION' culture, which is being alert, engaging, enthusiastic, friendly, thorough, attentive, open-minded, complete, prioritizing customer needs, telling solutions, initiatives, and on-time
Technological Development and Digitalization
Information technology development and digitization has become one of the keys to support ease of transactions as well as the implementation of Sustainable Finance. Banking digitalization makes it easier for customers to conduct transactions without having to come to branches, thus contributing to reducing carbon emissions from vehicles and reducing paper usage. In 2022, 99.5% of BCA's transactions were done digitally by customers.
Privacy and Data Security Protection for Customers
BCA is committed to maintaining the trust of its loyal customers by protecting their data security and privacy. This commitment is part of BCA's efforts to respect human rights.
Cybersecurity
As information technology continues to advance, the risk of cybercrime is increasing. BCA prioritizes the protection of customer data to ensure that customers feel comfortable transacting with BCA by providing regular training and socialization to employees. Data security incident simulations are conducted regularly to ensure that all employees are aware of cybersecurity issues. With a strong security system and prepared employees, it is hoped that potential cybercrime threats, negligence, and fraud can be effectively anticipated.
No Data Leakage
Throughout 2022, BCA did not experience any significant cases of customer data or privacy violations. There was no lost customer data, and no sanctions/fines borne by the Bank or BCA employees. BCA has an escalation mechanism in place in the event of a breach of customer privacy, as stipulated in the Collective Labor Agreement (PKB).
Fraud Prevention and Financial Crime Prevention
BCA has an anti-fraud unit that monitors the implementation/development of bank-wide Anti-Fraud policies/strategies. This monitoring covers prevention, detection, and investigation. To support the prevention of corruption and fraud, BCA implements the following systems:
Anti-Money Laundering and Anti-Terrorism Financing (APU PPT)
BCA raises awareness among all employees to increase vigilance against money laundering and terrorist financing practices. BCA runs APU PPT for all suspicious and high-value transactions. 100% of permanent employees have received socialization regarding APU PPT.
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